Battle Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Battle Bank, N.A. is an FDIC-insured commercial bank headquartered in Upsala, MN, established in 1914 (FDIC certificate 9336), and it is supervised by the OCC. At Q2 2026 it reported total assets of $180.8M, the 122nd largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 33.32% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 9336
- Headquarters
- Upsala, MN
- Established
- 1914
- Total assets, Q2 2026
- $180.8M
- Tier 1 leverage ratio, Q2 2026
- 33.32%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091918570
- Latest call report
- Q2 2026, FFIEC 051 · Battle Bank, N.A. call report
- Holding company
- BATTLE FINANCIAL, INC.
- Asset rank in state
- 122nd of 221 in Minnesota
Battle Bank, N.A., based in Upsala, Minnesota, reported $181 million in assets at June 30, 2026, against $65 million a year earlier. It is losing 18.0% a year on shareholders' equity, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also keeps 2.96 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
It lost $3.1 million in the quarter. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 0.69%. Funding is the softer spot: it pays an average of 2.42% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Battle Bank, N.A. reported a return on assets of -7.86%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Battle Bank, N.A. ranks as the 122nd largest of the 221 banks based in Minnesota, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 31.6% to $180.8M, loans rose 73.1% and deposits rose 70.2%. The largest part of its loan book on June 30, 2026 was other revolving consumer credit, at 62.1% of total loans, ahead of commercial and industrial loans at 17.8%. The FDIC Summary of Deposits lists a single office for it, in Upsala, MN. Judged on its Q2 2026 call report, Battle Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 105 S Main St, Upsala, MN 56384
- County
- Morrison
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 11, 1914
- Former names
- Stearns Bank Upsala National Association (1997-2025)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $112.4M
- Allowance for credit losses
- $43K
- Net charge-offs (YTD)
- $0
- Average total assets
- $156.8M
- Average total loans
- $9.7M
- Average interest-bearing deposits
- $80.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9336
- Fed RSSD
- 208459
- SEC CIK
- 1899779 → filed by BATTLE FINANCIAL, INC.
- Website
- www.battlebank.com →
- Parent Holding Company
- BATTLE FINANCIAL, INC. (RSSD 6027755)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Battle Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Battle Bank, N.A.'s total assets ran between $62.5M (Q1 2024) and $180.8M (Q2 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$180.8M total assets against $65.0M; $113.8M total liabilities against $46.9M.
$12.3M net loans and leases against $49.8M; $112.4M total deposits against $45.2M.
$110.8M securities against $4.4M; $29.5M cash and balances due against $10.6M.
$1.5M total interest income against $910K; $517K total interest expense against $275K.
$961K net interest income against $635K.
$202K total noninterest income against -$1K; $4.2M total noninterest expense against $241K.
$23K provision for credit losses against $120K.
-$3.1M net income against $272K.
-7.86% return on assets against 1.68%; 2.96% net interest margin against 3.91%.
33.32% tier 1 leverage ratio against 27.93%.
Inside the full Battle Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBattle Bank, N.A. rankings
Its closest position to the top of a national ranking is 3,099 of 4,196, for total assets; its furthest is 3,611 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -13.76% (Q4 2025) to 9.71% (Q3 2025) and its net interest margin ran from 2.96% (Q2 2026) to 4.29% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 33.32% | -7.86% | 0.00% | 0.00% | 2.96% |
| Q1 2026 | 47.73% | -9.18% | 0.00% | 0.00% | 3.34% |
| Q4 2025 | 59.44% | -13.76% | 0.00% | 0.00% | — |
| Q3 2025 | 29.84% | 9.71% | 0.40% | 1.04% | 4.29% |
| Q2 2025 | 27.93% | 1.68% | 0.69% | 1.85% | 3.91% |
| Q1 2025 | 28.14% | 0.34% | 0.49% | 1.32% | 3.63% |
| Q4 2024 | 27.72% | 1.01% | 0.37% | 1.01% | 3.62% |
| Q3 2024 | 28.22% | 0.36% | 0.49% | 1.33% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Battle Bank, N.A. (main office) | Upsala , MN | 56384 | $112.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 181 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $62K approved, $62K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Battle Bank, N.A.
What are Battle Bank, N.A.'s total assets?
As of the Q2 2026 filing, Battle Bank, N.A. reported total assets of $180.8 million in its FFIEC call report.
Where is Battle Bank, N.A. headquartered?
It is headquartered in Upsala, MN, United States.
When was Battle Bank, N.A. founded?
It was established in 1914, per the FDIC institution directory.
Is Battle Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9336). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Battle Bank, N.A.?
Battle Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Battle Bank, N.A. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Battle Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Battle Bank, N.A. previously called?
The charter now named Battle Bank, N.A. has also operated as Stearns Bank Upsala National Association (1997-2025), per FDIC structure-change records.
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